Call reports 2009
ADIRONDACK TRUST COMPANY, THE — 2009
What ADIRONDACK TRUST COMPANY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 830,521,000 | 817,677,000 | 849,743,000 | 857,271,000 |
| Total loans | 396,376,000 | 404,238,000 | 417,160,000 | 433,729,000 |
| Allowance for loan losses | 8,293,000 | 8,499,000 | 9,003,000 | 8,389,000 |
| Securities available for sale | 330,713,000 | 324,881,000 | 318,835,000 | 312,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 733,315,000 | 719,282,000 | 749,065,000 | 756,264,000 |
| Interest-bearing deposits | 624,629,000 | 597,597,000 | 624,594,000 | 628,141,000 |
| Noninterest-bearing deposits | 108,686,000 | 121,685,000 | 124,471,000 | 128,123,000 |
| Equity capital | 84,152,000 | 83,697,000 | 87,801,000 | 88,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,601,000 | 15,255,000 | 23,088,000 | 31,246,000 |
| Interest expense | 1,575,000 | 2,943,000 | 4,216,000 | 5,351,000 |
| Net interest income | 6,026,000 | 12,312,000 | 18,872,000 | 25,895,000 |
| Noninterest income | 4,133,000 | 7,937,000 | 12,292,000 | 15,873,000 |
| Noninterest expense | 7,471,000 | 15,487,000 | 22,877,000 | 30,065,000 |
| Provision for loan losses | 500,000 | 1,000,000 | 1,500,000 | 1,060,000 |
| Pretax income | 3,345,000 | 4,968,000 | 7,993,000 | 12,133,000 |
| Income tax | 874,000 | 1,072,000 | 1,832,000 | 3,131,000 |
| Net income | 2,471,000 | 3,896,000 | 6,161,000 | 9,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,899,000 | 64,998,000 | 67,569,000 | 69,245,000 |
| Total capital | 70,063,000 | 70,350,000 | 72,988,000 | 74,881,000 |
| Risk-weighted assets | 409,978,000 | 425,036,000 | 429,921,000 | 448,133,000 |
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